a) In order to have free cash withdrawals always use the VISA card
b) If the language selection screen appears, it is a good sign (not displayed for bank card)
c) The cash comes completely free of charge from the ATM (DKB automatically covers these fees and the customer never notices a thing)

What happens when you put the bank card into the ATM?

The language selection is missing, you will be prompted to enter the PIN

You will be prompted to specify the desired amount

The withdrawal fees will be displayed on the monitor

At this stage, the transaction can be cancelled at no cost (this is recommended)

When withdrawing, if an electronic transaction fee is displayed, then please cancel the transaction. It’s free!
a) The incorrect DKB card is used, VISA character is missing
b) Electronic transaction fee is displayed, click Cancel at this point
c) The card is ejected

Note: Always use the DKB VISA card to withdraw money – that’s the only way to ensure that the cash withdrawal is free!

3 frequently asked questions and their answers!

What is the maximum I can withdraw with the VISA Card?

Outside of Germany, one can theoretically withdraw the entire monthly credit limit or balance all at once, if you have that loaded onto the card (savings interest rate). In practice, this hardly works as due to security reasons ATMs have daily limits.

Abroad, a withdrawal of 10,000 euros within 29 days is allowed with the card. Either over the period or all in one day. However, one would have to use several ATMs.

In Germany, there is a daily limit of 1,000 euros. Most ATMs will give this amount. There are only a few machines that operate with a lower limit per withdrawal. It is possible to do two withdrawals or use another machine.

What is the advantage of paying with a credit card?

The interest rate gains for the customer!

And this is how it works at the DKB:

When you pay with the regular bank card, the booking will be immediately charged to the current account and correspondingly, less credit interest is obtained or you immediately have to pay interest on loans, if you have an overdraft.

With the DKB VISA card, all bookings (including the free cash withdrawals) will be collected on the credit card account. On the 22nd of each month the credit card account is cleared with the current account. Up to this point, there are no credit interest charges.

There aren’t any exchange rate fees for foreign currency withdrawals!

Why do I still need the regular DKB bank card?

Even though the acceptance of credit cards is continuously increasing, it is not always possible to pay with credit cards in all stores. Here it is then useful to have the DKB bank card.

And in an emergency, if the credit card daily withdrawal amount is already maxed out, then you can “bite the bullet” and use the bank card to withdraw cash for a fee.

Do you have any further questions about the use of DKB and cash?

Then post it as a comment at the end of the page. I will respond as soon as possible.

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Who writes here?

Someone who has helped more than 100,000 people to obtain a new bank account in the past 7 years. My name is Tanja and if you continue reading, you will find out why I and this page exist ⇒ read more.

I find that my DKB Visa Card has a withdrawal limit of USD 1,000 a day. This is not the limit of the ATM, since I tried changing machines after withdrawing USD 1,000 on the same day and it gave me no money because the daily limit had been exceeded. The next day, I was able to withdraw another USD 1000. How can I increase this limit? Thanks!

Unfortunately, that is true! In autumn 2014, the withdrawal limit was decreased from Euros 10,000 per day (valid for a period of 29 days) to Euros 1,000 per day. The reason for this were security concerns by VISA.

However, there are probably exceptions for individual cases at a written request at the DKB. How good are the chances of success? Well, experience values are not yet available.

Alternatively, one can request an additional Visa credit card. Therefore, one would get at least twice the credit limit and would have to distribute the withdrawals to half of the days.

Hi,
I live in UK (and don’t have German passport), and I would like to enquire about opening a euro account. The account, with the online banking is the most important, but if it’s possible I also would like to have a debit card. What is the cheapest option what you could suggest? I would like put there 2-3k euros, add later more, and take out some, but not for everyday use, so need low cost opportunity. Thanks, Akos.

How can you check on single transactions via online banking on your DKB Visa? I notice the balance going down, but can’t access any transactions…I hope I don’t have to wait until a statement is generated?

How is the acceptance of DKB debit(giro?) card in Germany? I have a N26 account and their debit card is not accepted sometimes(some restaurants, small shops, even some Edekas). And this can be quite annoying.

I also find it hard to distinguish the thin line between giro, debit and ec card.

Hi! This is not an easy questions – the acceptance rate of debit/ec/giro cards in Germany is widely improving, but it’s true that especially at small shops (e.g. small businesses, convenience stores, bakeries and yes, even smaller supermarkets) they sometimes solely accept cash payments. As someone who used to live in Germany, I daresay that at least in the city I can mostly pay with my debit card, though there are exemptions. My tipp: Most shops who accept any form of card payment have the logos of those cards (i.e. Maestro, or even credit cards like Visa, Master, Amex) on display. In most cases you can find the logos on display on their doors, on the window or elsewhere in their entrance area.

Thank you for your reply. I live in Hamburg. As far as I experienced: if the shop/restaurant accepts card payment, you never have any problem with girocard. However other ec/debit cards can have acceptance issues.

Yes, you get both (Girocard and Visa Card) for free. It is up to you with can you use for payments. We prepare an article about this topic: Which card is the best option for what … will be online in some days in this blog.

Hi! There is no minimum deposit necessary when opening the account. You can transfer money to your account from a different bank account, and also have the option to deposit cash (free of charge) at one of the DKB-belonging ATMs. Payments are possible via online transfer, debit card or credit card. We will soon have an instructional video in English to explain this in more details. I hope this helps?

Hi
This helps. However, I discovered a new problem. It seems that both the video and Postident rejected my Singapore passport. They said it is not in the system.
Looks like a missed opportunity. What other Credit card do you recommend?
Thank you.

Yes, it’s true – it would of course be great if the bank employees were trained in such a way that they could correctly identify the security features of passports and ID cards from ca. 200 countries – via video cam.

Alternatively you can go with the Post-Ident procedure of the Deutsche Post for the mandatory legitimization check.